| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| BRAD L NEUGEBAUER3 | 101 WEST 69TH STREET SUITE 200 SIOUX FALLS, SD 57108 | PRINCIPAL LIFE INSURANCE COMPANY | $7K | — | $7K | 12.28% |
| ROGERS BENEFIT GROUP INC3 | 5110 NORTH 40TH STREET SUITE 234 PHOENIX, AZ 85018 | PRINCIPAL LIFE INSURANCE COMPANY | $2K | — | $2K | 3.42% |
| CHRIS A GUSTAFSON3 | 928 NORTH DUBUQUE AVENUE SIOUX FALLS, SD 57110 | AFLAC | $22K | $631 | $23K | — |
| MELISSA J BECK3 Filed as: MELISSA J. BECK | 26505 LAKEVIEW PLACE HARTFORT, SD 57033 | AFLAC | $5K | $154 | $5K | — |
| AWS INC3 | 1919 WEST 57TH STREET SUITE 101 SIOUX FALLS, SD 57108 | AFLAC | $4K | $154 | $4K | — |
| KRISTY ANN KAUFMAN3 | 912 SOUTH SCARLET OAK TRAIL SIOUX FALLS, SD 57110 | AFLAC | $2K | $87 | $2K | — |
| DOUGLAS HASLIP3 | 7227 WEST LANCASTER CIRCLE SIOUX FALLS, SD 57106 | AFLAC | $2K | — | $2K | — |
| CINDY K CORVI3 | 7635 BLANDFORD PLACE ATLANTA, GA 30350 | AFLAC | $981 | — | $981 | — |
| MICHAEL D EVANS JR3 | 113 5TH STREET SOUTHEAST WATERTOWN, SD 57201 | AFLAC | $467 | — | $467 | — |
| DAVID P AESOPH3 | 2700 WEST NICOLE DRIVE SIOUX FALLS, SD 57105 | AFLAC | $317 | — | $317 | — |
| KRISTIE WEIDMANN3 Filed as: KRISTIE M WIEDMANN | 3734 SOUTH SOUTH STREET SPRINGFIELD, MO 65807 | AFLAC | $255 | — | $255 | — |
| ANDREA L SWEETER3 Filed as: ANDREA L. SWEETER | 46872 283RD STREET LENNOX, SD 57039 | AFLAC | $190 | — | $190 | — |
| JAMES MCDONALD3 Filed as: JAMES J. LAMBERT | 5509 SOUTH JERSEY TESS DRIVE SIOUX FALLS, SD 57108 | AFLAC | $181 | — | $181 | — |
| SARA KNEIP3 | 1218 6TH STREET BROOKINGS, SD 57006 | AFLAC | $152 | — | $152 | — |
| KEITH ANTHONY KLEINE3 | 2216 SPRUCEWOOD DRIVE NORTHWEST AXWORTH, GA 30101 | AFLAC | $130 | — | $130 | — |
| MELODY B THOMPSON3 Filed as: MELODY B. THOMPSON | 1212 MAIN AVENUE SOUTH BROOKINGS, SD 57006 | AFLAC | $126 | — | $126 | — |
| CHRISTOPHER WALLACE HOFF3 | 1095 WILLOW BEND ROSWELL, GA 30075 | AFLAC | $121 | — | $121 | — |
| JOLYNNE M MACK3 Filed as: JOLYNNE MACK | 113 5TH STREET SOUTHEAST WATERTOWN, SD 57201 | AFLAC | $113 | — | $113 | — |
| BRADY L WEISENBERGER3 | 4840 AMBER VALLEY PARKWAY SOUTH SUITE C FARGO, ND 58104 | AFLAC | $111 | — | $111 | — |
| NAOMI C MCLAUGHLIN3 | 320 DEERVIEW AVENUE TEA, SD 57064 | AFLAC | $98 | — | $98 | — |
| WILLIAM JAMES MURPHY3 Filed as: WILLIAM K. DUIN | 7728 WEST JUSTICE STREET SIOUX FALLS, SD 57106 | AFLAC | $92 | — | $92 | — |
| TRACY L HOSTLER3 | 3922 SOUTH WESTERN AVENUE SIOUX FALLS, SD 57105 | AFLAC | $77 | — | $77 | — |
| DEBORAH KAE LEE3 | 4303 WEST TOWNSLEY PLACE SIOUX FALLS, SD 57108 | AFLAC | $66 | — | $66 | — |
| MONICA S KINNER3 | 7212 WEST 65TH STREET SIOUX FALLS, SD 57106 | AFLAC | $55 | — | $55 | — |
| JEREMY ALLEN TIMMERMANS3 | 1919 WEST 57TH STREET SUITE 101 SIOUX FALLS, SD 57108 | AFLAC | $52 | — | $52 | — |
| RENAE SALLQUIST KNOPF3 | 1001 WEST KILLARNEY STREET SIOUX FALLS, SD 57108 | AFLAC | $50 | — | $50 | — |
| PAMELA J KREBER3 Filed as: PAMELA J KREBLER | 5905 SOUTH DEER PARK DRIVE SIUOX FALLS, SD 57108 | AFLAC | $40 | — | $40 | — |
| SHIRLEE M HANSON3 | 7310 WEST 58TH STREET SIOUX FALLS, SD 57106 | AFLAC | $33 | — | $33 | — |
| KYLE L VESELY3 | 4771 SOUTH TURNBERRY AVENUE SPRINGFIELD, MO 65810 | AFLAC | $29 | — | $29 | — |
| TRACY L HOSTLER3 Filed as: TRACY L. HOSTLER | 3500 SOUTH PHILLIPS AVENUE SUITE 101 SIOUX FALLS, SD 57105 | AFLAC | $28 | — | $28 | — |
| FISHBACK INSURANCE AGENCY INC3 | 520 6TH STREET BROOKINGS, SD 57006 | AFLAC | $26 | — | $26 | — |
| STEVEN L. VONK3 Filed as: STEVEN VONK | 1602 10TH STREET ROCK VALLEY, IA 51247 | AFLAC | $26 | — | $26 | — |
| JANE POTTEBAUM3 | 19258 HAWTHORNE AVENUE CARROLL, IA 51401 | AFLAC | $25 | — | $25 | — |
| MICHAEL D EVANS JR3 Filed as: MICHAEL J. TOMLINSON | 40 PARADISE DRIVE WATERTOWN, SD 57201 | AFLAC | $24 | — | $24 | — |
| MELODY B THOMPSON3 | 1206 MAIN AVENUE SOUTH BROOKINGS, SD 57006 | AFLAC | $22 | — | $22 | — |
| JEREMY ALLEN TIMMERMANS3 | 3500 SOUTH PHILLIPS AVENUE SUITE 101 SIOUX FALLS, SD 57105 | AFLAC | $17 | — | $17 | — |
| DANIEL R MEHLBRECH3 Filed as: DANIEL R. MEHLBRECH | 47152 257TH STREET CROOKS, SD 57020 | AFLAC | $17 | — | $17 | — |
| JAMES MCDONALD3 Filed as: JAMES ROBERT MADSEN | 1919 WEST 57TH STREET SUITE 101 SIOUX FALLX, IA 57108 | AFLAC | $17 | — | $17 | — |
| JACKIE M HOERNER3 | 3922 SOUTH WESTERN AVENUE SIOUX FALLX, SD 57105 | AFLAC | $17 | — | $17 | — |
| JESSE A REISCH3 Filed as: JESSE A. REISCH | 1505 SOUTH MONTICELLO AVENUE SIOUX FALLS, SD 57106 | AFLAC | $14 | — | $14 | — |
| TAMARA WILLIAMS3 | 3922 SOUTHWESTERN AVENUE SIOUX FALLS, SD 57105 | AFLAC | $13 | — | $13 | — |
| KALIE R GILBERT3 | 3511 E MADISON DRIVE FAYETTEVILLE, AR 72701 | AFLAC | $12 | — | $12 | — |
| F&G DIVERSIFIED LLC3 | PO BOX 7251 MACON, GA 31209 | AFLAC | $11 | — | $11 | — |
| TAMARA WILLIAMS3 | 5901 SOUTH HALLOW AVENUE SIOUX FALLS, SD 57106 | AFLAC | $11 | — | $11 | — |
| SHAWN D BENSER3 | 4840 AMBER VALLEY PARKWAY SOUTH SUITE C FARGO, ND 58104 | AFLAC | $10 | — | $10 | — |
| JOSEPH A SORENSEN3 Filed as: JOSEPH A. SORENSEN | 1008 GRAND VIEW DRIVE BERESFORD, SD 57004 | AFLAC | $7 | — | $7 | — |
| CRAIG S STADTFELD3 | 1919 WEST 57TH STREET SUITE 101 SIOUX FALLS, SD 57108 | AFLAC | $7 | — | $7 | — |
| CHERYL HAYES3 Filed as: CHERYL Y HAYES | 611 NORTH HILL STREET SILOAM SPRINGS, AR 72761 | AFLAC | $7 | — | $7 | — |
| MICHAEL BOLGER3 | 128 WOODLAND DRIVE MADISON, SD 57042 | AFLAC | $6 | — | $6 | — |
| JOHN B COLLINS3 | 311 PEBBLE HOLLOW DRIVE MILLEDGEVILLE, GA 31061 | AFLAC | $5 | — | $5 | — |
| KACY A GRUENKEMEYER3 | 5530 WEST PARKWAY SUITE 100 JOHNSTON, IA 50131 | AFLAC | $4 | — | $4 | — |
| STEVEN L. VONK3 Filed as: STEVEN VONK | 1602 10TH STREET ROCK VALLEY, IA 51247 | AFLAC | $4 | — | $4 | — |
| SHERRY M ADAMS3 Filed as: SHERRY M. ADAMS | 7227 WEST LANCASTER CIRCLE SIOUX FALLS, SD 57106 | AFLAC | $3 | — | $3 | — |
| SCOTT R FRITCHER3 | 3511 131ST STREET URBANDALE, IA 50323 | AFLAC | $3 | — | $3 | — |
| SHERRY M ADAMS3 | 27212 LOVELY PLACE TEA, SC 57064 | AFLAC | $2 | — | $2 | — |
| J BECK INC3 | PO BOX 5386 COLUMBUS, GA 31906 | AFLAC | $2 | — | $2 | — |
| KARA M CARMODY3 | 718 HOYT AVENUE EAST STREET ST PAUL, MN 55106 | AFLAC | $1 | — | $1 | — |
| WILLIAM M BARNETT3 | 703 NORTH SAGEHORN DRIVE HARTGORD, SD 57033 | AFLAC | $1 | — | $1 | — |
| AUSTIN J PETERSON3 | 22226 AURORA AVENUE URBANDALE, IA 50322 | AFLAC | $1 | — | $1 | — |
| HEATHER D SWANSON3 | 4608 67TH STREET URBANDALE, IA 50322 | AFLAC | $0 | — | $0 | — |
| HEATHER D SWANSON3 | 4517 49TH PLACE DES MOINES, IA 50310 | AFLAC | $0 | — | $0 | — |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 254 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 8 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 8 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 270 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | WELLMARK BLUE CROSS AND BLUE SHIELD OF SOUTH DAKOTA | 266 | $1.7M |
| Dental | DELTA DENTAL OF SOUTH DAKOTA | 513 | $177K |
| Vision | VISION SERVICE PLAN | 257 | $7K |
| Life insurance | PRINCIPAL LIFE INSURANCE COMPANY | 325 | $59K |
| Long-term disability | PRINCIPAL LIFE INSURANCE COMPANY | 325 | $59K |
| Other | AFLAC | 175 | $0 |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 513 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.
Premium per covered life exceeds 2× the peer median for this NAICS + size cohort. Either richly-funded plan or struggling with a bad rate.